293 Bay Dr, Panacea, FL 32346 Property Records

Franklin County property record for 293 Bay Dr, Panacea, FL 32346

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,299 sqft · built 1938
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,438 (2025)
Flood Zone	Zone AE (high risk)
APN	`28-06S-02W-0000-0020-0160`

Property Details

APN / Parcel Number

Primary APN	`28-06S-02W-0000-0020-0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,299 sqft Heated Area
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1974
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft
Lot Width	167 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	293 BAY DRIVE
City	PANACEA
State	FL
Zip	32346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.21 AC M/L OR 179/348 A K A THE NORTERLY PART OF LOT 1 OR 184/238
Legal Range	02W
Legal Township	06S
Legal Section	28
Legal Lot Number	1
Jurisdiction	FRANKLIN FL
Township / Civil Division	CARRABELLE
Census Block Group	2
Census Block	2094
Census Tract	970102

Owner

Source: Franklin County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	793 LITCHFIELD RD, TALLAHASSEE, FL 32312-1850
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,438.00 (+2.57%)	$237,253 (-0.49%) Land $85,000 Building $152,253	$237,253 (-0.49%) Land $85,000 Building $152,253
2024	$1,402.00 (+9.79%)	$238,425 (+15.48%) Land $85,000 Building $153,425	$238,425 (+15.48%) Land $85,000 Building $153,425
2023	$1,277.00 (+11.24%)	$206,468 (+18.65%) Land $85,000 Building $121,468	$206,468 (+18.65%) Land $85,000 Building $121,468
2022	$1,148.00	$174,010 Land $85,000 Building $89,010	$174,010 Land $85,000 Building $89,010

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 23, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	16.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 293 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	329 units insured incl. 36 condo units
Nearby Flood Claims	72 (2005–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Helene, Sep 2024 · 12 claims Hurricane Michael, Oct 2018 · 45 claims Hurricane Dennis, Jul 2005 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20